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Mainstreet Bank

IDRSSD: 3248849
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q3QoQ +2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #3248849 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.1% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 36.3% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +16
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ +16
68
Sub-score

Liquidity is stable: brokered 36.3%, loans/deposits 93.7%, cash 10.5% of assets.

Cash / Assets
10.47%
Loans / Deposits
93.70%
Brokered %
36.30%

Watch Items

  • watchBrokered deposits above 30% — Brokered 36.3% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.63%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.97%, CET1 15.97%, leverage 13.98%.

Tier 1 RBC
15.97%
CET1
15.97%
Leverage
13.98%
No watch items at this period.

Asset Quality

StrongQoQ -5
86
Sub-score

Asset quality is strong: Adjusted NPL 1.59%, Texas Ratio 8.9%, NCO YTD 0.42%.

Adjusted NPL
1.59%
Govt-guarantees stripped
Texas Ratio
8.9%
NCO YTD
0.42%
30-89 PD
0.61%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -3
23
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 64.8%, true coverage 34.1%.

ALLL / Loans
1.02%
Coverage
64.8%
True Loss Coverage
34.1%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.1% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 04:19:46 UTC